BANKA SPARKASSE d.d.

Banka Sparkasse d.d. is a Slovenian universal bank headquartered in Ljubljana, operating under a full banking license from the Bank of Slovenia and within the euro area Single Supervisory Mechanism. It offers retail and business banking services including current and savings accounts, payment services (SEPA credit transfers and direct debits), consumer loans, mortgages, overdrafts, debit and credit cards, and digital channels via online and mobile banking; for business clients it provides working capital and investment loans, cash management, trade finance, and foreign payment services, with certain insurance and leasing products available through partners. The bank maintains a branch and ATM network in major urban areas, supports contactless payments and standard card schemes, and publishes a tariff schedule covering account packages, domestic and cross‑border payments, card issuance and maintenance, and ATM usage, with separate pricing for non-network withdrawals and foreign transactions. Deposits are protected by the Slovenian deposit guarantee scheme up to EUR 100,000 per depositor in line with EU rules, and the bank applies PSD2 strong customer authentication, KYC/AML procedures, and GDPR data protection requirements. Financial reporting follows IFRS, with annual and interim statements disclosing capital adequacy, liquidity coverage, and leverage ratios under CRR/CRD, and the bank participates in SEPA and executes international transfers via SWIFT. Product eligibility, pricing, interest rates, and collateral requirements depend on customer risk and credit assessment; opening an account typically requires government ID, a tax number, and proof of address for individuals, and corporate documents for businesses, with additional requirements for non-residents. Customer support is available through branches, a call center, and electronic channels, with documented complaint-handling procedures and access to external dispute resolution under national rules; prospective clients should review the current general terms, fee schedule, cut-off times, and exchange rate policies on the bank’s website before transacting.